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Cookie Policy

Last Updated

5 Aug 2025

This Cookie Policy explains how Lumo Finance Ltd (“Lumo Money”, “we”, “us”, or “our”) uses cookies and similar technologies on our website and digital platforms. It describes the types of cookies we use, why we use them, and how you can manage your preferences.

By continuing to browse or use our website, you consent to the use of cookies in accordance with this policy, unless you adjust your browser settings or cookie preferences.

1. Who We Are

1.1 Lumo Money is a trading name of Lumo Finance Ltd, registered in England and Wales (Company No. 12345678). Our registered office is at 45 Charlotte Street, Manchester, M1 4FD.

1.2 Lumo Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 123456.

1.3 This Cookie Policy applies to all websites, web applications, and digital services operated by Lumo Money.

2. What Are Cookies

2.1 Cookies are small text files that are stored on your device (computer, tablet, or smartphone) when you visit a website.

2.2 They are widely used to make websites work efficiently, provide a better browsing experience, and deliver relevant content or advertisements.

2.3 Cookies do not give us access to your computer or any information beyond what you choose to share.

3. Types of Cookies We Use

We use several types of cookies on our website to improve functionality, performance, and security. These include:

3.1 Strictly Necessary Cookies
These cookies are essential for the website to function properly. They enable core features such as security, page navigation, and form submissions.
Without these cookies, certain parts of the website may not work as intended.
Examples: Session cookies, security authentication cookies.

3.2 Performance and Analytics Cookies
These cookies collect information about how visitors use our website — such as which pages are most visited and whether users experience any errors.
This helps us understand how our website performs and make improvements.
Examples: Google Analytics, Microsoft Clarity, or internal analytics tools.

3.3 Functional Cookies
These cookies allow the website to remember your preferences, such as language settings, region, or login details, to enhance your experience.
Examples: Remembering your login status or saved preferences.

3.4 Advertising and Targeting Cookies
These cookies may be used to deliver relevant advertisements based on your browsing activity or to limit how often you see certain ads.
They may also be used by third-party advertising networks to measure campaign effectiveness.
Examples: Meta (Facebook) Pixel, Google Ads, LinkedIn Insights.

3.5 Third-Party Cookies
Some cookies are placed by trusted third-party providers who assist us in website performance tracking, marketing, and analytics.
These third parties are bound by their own privacy and cookie policies.

4. Why We Use Cookies

We use cookies to:

4.1 Ensure the website functions correctly and securely.
4.2 Analyse how users interact with our site to improve content and usability.
4.3 Remember your preferences and improve user experience.
4.4 Personalise marketing and measure the effectiveness of campaigns.
4.5 Comply with legal and regulatory obligations related to online tracking and consent management.

5. Managing Cookies

5.1 You can manage or delete cookies through your browser settings at any time. Most browsers allow you to:

  • View which cookies are stored.

  • Delete specific cookies.

  • Block cookies from certain websites.

  • Clear all cookies when you close your browser.

5.2 To learn more about managing cookies, visit:
www.aboutcookies.org or www.allaboutcookies.org.

5.3 If you disable or reject cookies, some parts of our website may not function properly or certain features may be unavailable.

5.4 You can also update your cookie preferences using our on-site cookie consent banner.

6. Consent and Withdrawal

6.1 When you visit our website for the first time, a cookie consent banner will appear allowing you to accept, reject, or manage your cookie preferences.

6.2 You may withdraw your consent for non-essential cookies at any time by adjusting your preferences through our banner or clearing cookies in your browser settings.

6.3 We will record your cookie consent choices to ensure compliance with data protection regulations.

7. Third-Party Services and Tracking

7.1 Our website may integrate with third-party tools or plugins that use cookies or similar technologies to provide analytics, marketing, or functionality.

7.2 Examples include:

  • Google Analytics for website usage statistics.

  • Meta Pixel for advertising and remarketing.

  • LinkedIn Insights Tag for business audience measurement.

7.3 These third parties may collect and process data in accordance with their own privacy policies. We recommend reviewing them directly for more information.

8. Data Protection and Privacy

8.1 Information collected through cookies may, in some cases, be considered personal data.

8.2 For details on how we protect your personal information, please refer to our Privacy Policy at www.lumomoney.co.uk/privacy.

8.3 We will only use cookies that process personal data where a lawful basis exists under the UK General Data Protection Regulation (UK GDPR).

9. Retention of Cookie Data

9.1 Cookies remain on your device for varying periods depending on their purpose.

  • Session cookies expire when you close your browser.

  • Persistent cookies remain active until they are deleted or reach their expiry date.

9.2 We regularly review our cookie usage to ensure compliance with current laws and data minimisation principles.

10. Updates to This Policy

10.1 We may update this Cookie Policy from time to time to reflect changes in law, technology, or our cookie management practices.

10.2 Any significant updates will be posted on this page with a revised “last updated” date.

10.3 Continued use of our website after such updates constitutes acceptance of the updated Cookie Policy.

11. Contact Us

If you have questions or concerns about this Cookie Policy or our use of cookies, please contact us:

Data Protection Officer
Lumo Finance Ltd
45 Charlotte Street, Manchester, M1 4FD
Email: privacy@lumomoney.co.uk
Phone: +44 7712 345 678

Smarter lending for business

0161 3455 678

team@lumomoney.com

Manchester, United Kingdom

@ 2025 LumoMoney LTD. All rights reverved

Lumo Money is a trading name of Lumo Finance Ltd, registered in England and Wales (Company No. 12345678). Registered office: 45 Charlotte Street, Manchester, M1 4FD. Lumo Finance Ltd is authorised and regulated by the Financial Conduct Authority under firm reference number 123456. We provide business loans and funding solutions to limited companies and sole traders across the United Kingdom. All lending is subject to status, affordability checks, and the satisfactory completion of our verification process. The amount you can borrow and the rate you receive will depend on your business performance and credit profile.

Your business must be actively trading in the UK to apply. We do not currently provide consumer credit or personal loans. Please ensure you only borrow what your business can afford to repay. Late or missed repayments can have serious consequences for your business, may affect your credit rating, and could make it more difficult to obtain credit in the future. We are a responsible lender committed to treating customers fairly, maintaining transparency in pricing, and supporting sustainable business growth. All information provided on this website is for general guidance only and does not constitute financial advice. You should seek independent advice if you are unsure about any lending decisions.

Lumo Finance Ltd works with a panel of funding partners where appropriate. In some cases, we may act as a credit broker and not a direct lender. We will always make it clear which role we are performing before you proceed with an application. By using this website, you agree to our terms of use, privacy policy, and cookie policy. All content is subject to change without notice.

Smarter lending for business

0161 3455 678

team@lumomoney.com

Manchester, United Kingdom

@ 2025 LumoMoney LTD. All rights reverved

Lumo Money is a trading name of Lumo Finance Ltd, registered in England and Wales (Company No. 12345678). Registered office: 45 Charlotte Street, Manchester, M1 4FD. Lumo Finance Ltd is authorised and regulated by the Financial Conduct Authority under firm reference number 123456. We provide business loans and funding solutions to limited companies and sole traders across the United Kingdom. All lending is subject to status, affordability checks, and the satisfactory completion of our verification process. The amount you can borrow and the rate you receive will depend on your business performance and credit profile.

Your business must be actively trading in the UK to apply. We do not currently provide consumer credit or personal loans. Please ensure you only borrow what your business can afford to repay. Late or missed repayments can have serious consequences for your business, may affect your credit rating, and could make it more difficult to obtain credit in the future. We are a responsible lender committed to treating customers fairly, maintaining transparency in pricing, and supporting sustainable business growth. All information provided on this website is for general guidance only and does not constitute financial advice. You should seek independent advice if you are unsure about any lending decisions.

Lumo Finance Ltd works with a panel of funding partners where appropriate. In some cases, we may act as a credit broker and not a direct lender. We will always make it clear which role we are performing before you proceed with an application. By using this website, you agree to our terms of use, privacy policy, and cookie policy. All content is subject to change without notice.

Smarter lending for business

0161 3455 678

team@lumomoney.com

Manchester, United Kingdom

@ 2025 LumoMoney LTD. All rights reverved

Lumo Money is a trading name of Lumo Finance Ltd, registered in England and Wales (Company No. 12345678). Registered office: 45 Charlotte Street, Manchester, M1 4FD. Lumo Finance Ltd is authorised and regulated by the Financial Conduct Authority under firm reference number 123456. We provide business loans and funding solutions to limited companies and sole traders across the United Kingdom. All lending is subject to status, affordability checks, and the satisfactory completion of our verification process. The amount you can borrow and the rate you receive will depend on your business performance and credit profile.

Your business must be actively trading in the UK to apply. We do not currently provide consumer credit or personal loans. Please ensure you only borrow what your business can afford to repay. Late or missed repayments can have serious consequences for your business, may affect your credit rating, and could make it more difficult to obtain credit in the future. We are a responsible lender committed to treating customers fairly, maintaining transparency in pricing, and supporting sustainable business growth. All information provided on this website is for general guidance only and does not constitute financial advice. You should seek independent advice if you are unsure about any lending decisions.

Lumo Finance Ltd works with a panel of funding partners where appropriate. In some cases, we may act as a credit broker and not a direct lender. We will always make it clear which role we are performing before you proceed with an application. By using this website, you agree to our terms of use, privacy policy, and cookie policy. All content is subject to change without notice.